Insurance · Carriers
Underwriting guidelines
An internal rulebook telling underwriters which risks a carrier will accept, on what terms, and at what price.
What it usually contains
- eligible and prohibited classes of business
- limits, deductibles and coverage restrictions by risk type
- referral thresholds and authority levels by underwriter
- rating factors, credits, debits and surcharges
- required documentation, inspections and loss history rules
What the assistant uses it for
Use it to check whether a particular applicant or exposure is acceptable, what terms and pricing adjustments apply, and when a submission must be referred to a higher authority or declined.
How it is versioned
A document of this type has exactly one current version at a time. Upload a revision and it becomes the version that counts — the one before it is kept and dated, but is no longer what your assistant answers from. Nothing is ever deleted, so you can always show what this document said on a given date.
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You already own the documents. We make them the only thing your AI is allowed to answer from, and we keep them current — so nobody quotes last year’s price by accident again.